North Dakota SR-22 & High-Risk Auto Insurance

North Dakota's 25/50/25 minimums are the legal floor for all drivers. For high-risk drivers with SR-22 requirements, these limits may not provide adequate protection if you cause a serious accident during your filing period—exceeding these limits could result in personal liability. North Dakota does not allow excluded drivers on policies with SR-22 filings, so all household members with licenses must be listed and rated.

SR-22 is a certificate of financial responsibility filed by your insurer with the North Dakota Department of Transportation, proving you carry at least minimum liability coverage. Not all carriers offer SR-22 filing in North Dakota; non-standard insurers like Progressive, The General, and state-licensed high-risk specialists are primary options.

High-risk drivers should consider maintaining these minimums even if trying to reduce costs, as your SR-22 requirement indicates prior violations that may limit your legal options if injured by another at-fault driver.

Covers non-collision damage like hail, animal strikes, and theft. North Dakota experiences frequent hail events and high deer collision rates, particularly in rural areas. While not required by law, lenders mandate comprehensive if you finance or lease your vehicle, and carriers offering SR-22 policies may require comp and collision to write coverage for high-risk profiles.

Pays for vehicle damage when you hit another car or object, regardless of fault. Non-standard carriers writing SR-22 policies for drivers with at-fault accidents may require collision coverage as a condition of the policy, even if your vehicle is older or paid off.